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Plevin

Can I try again through the more normal route?
Thanks. (Feeling a bit stupid)
Comments
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Mrs._Peppy wrote: »
Can I try again through the more normal route?
You cannot make repeated complaints I'm afraid.
Sorry.0 -
No. I haven’t tried the normal route. So can I do that now?0
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Mrs._Peppy wrote: »I haven’t tried the normal route. So can I do that now?
Read my earlier response.
Plevin only applies to rejected PPI complaints. So, to even be considered for Plevin, your PPI needs to have not been mis-sold.
Sorry.0 -
So, are you saying that, because I went direct to Plevin, rightly or wrongly, we have to assume we were not mid-sold, even though I’m pretty sure that wasn’t the case? We hadn’t tried the normal route.
The bank says Plevin only applies to claims on charges after 2007. The loan was in 2003.
So is that an end to it, because I made a mistake and didn’t go down the normal route first?0 -
The bank says Plevin only applies to claims on charges after 2007. The loan was in 2003.
Plevin comes about due to a change in the consumer credit act 2006 (effective 2008, although some falls under 2007). So, if the debt was repaid before the law changed, the debt would never have been subject to that law. Hence the bank is correct in rejecting it.
The "normal" way of doing things is that you make your complaint. If the complaint is rejected, they then look at whether plevin applies. You dont normally go straight to Plevin.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
I understand that. But I did in error. Does that mean the normal route is now closed? Thanks for your info0
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Moneyineptitude wrote: »How could you "complain" in error?
For the third time, Plevin only applies to rejected PPI complaints, so, in making a Plevin "complaint", your PPI will already have been considered.
What would be your "new" complaint?
You cannot make repeated complaints about the same thing.
It is possible with some lenders to just do a Plevin complaint and not complain about the PPISam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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Moneyineptitude wrote: »The fact remains that Plevin only applies to rejected PPI complaints..
Again, it is not a fact, you can put in a Plevin only complaint without complaining about PPI and actually keep the PPI policy going with some lenders
Natwest for example
(RBS as part of the same group also accept it)You can choose to make a complaint only about commission however this will not consider any potential PPI mis-sale. (Commission Only (Plevin) complaint form)Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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Again, it is not a fact, you can put in a Plevin only complaint without complaining about PPI and actually keep the PPI policy going with some lenders
He'll need to provide the usual valid complaint reasons, of course.
I still don't fancy his chances, though.0
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